Capital One Quicksilver Credit Card

The Capital One Quicksilver credit card is a popular choice among consumers seeking simplicity and rewards for their daily purchases. With international acceptance and top-notch protection, it will transform your financial day-to-day.

If you’re looking for a credit card that offers consistent rewards without the need to worry about spending categories or limits, this option from Capital One might be exactly what you’re looking for.

Keep reading to discover more about the card issuer, the incredible benefits it offers, and how it can perfectly meet your financial needs. Let’s explore together everything this card has to offer!

About the Issuer

Capital One is one of the leading financial institutions in the United States, known for its innovations in banking and credit services. Founded in 1994, the company quickly stood out in the credit card market by offering products that combine value and practicality.

With a customer-centric approach, Capital One always strives to provide financial solutions that meet the diverse needs of its users. The focus on technology and security is also one of the company’s pillars, ensuring that its customers have a safe and efficient experience.

In addition to credit cards, Capital One offers a range of financial services, including savings accounts and personal loans, establishing itself as a reliable partner for millions of customers.

Benefits

Unlimited Cashback: One of the biggest attractions of the Capital One Quicksilver credit card is the unlimited 1.5% cashback on all purchases. This means that every dollar spent with the card earns a reward of 1.5 cents, with no earning limit and no need to enroll in specific reward categories.

No Annual Fee: Another significant benefit is the absence of an annual fee. Many credit cards offer attractive rewards but charge an annual fee that can reduce the value of these rewards. With the Quicksilver, you can enjoy all the advantages without worrying about an annual fee.

Flexible Rewards: The cashback points accumulated with the card can be redeemed in various ways: as a statement credit, check, or for purchases on Amazon. This flexibility allows you to use your rewards in the most convenient way for you.

Fraud Protection: The Capital One Quicksilver offers robust fraud protection. With the zero liability policy for fraud, you will not be held responsible for unauthorized transactions made with your card. This provides greater peace of mind when using the card.

Travel Benefits: For travelers, the card is an excellent choice. It offers 5% cashback on hotels and car rentals booked through Capital One Travel, and does not charge foreign transaction fees. This makes international travel more economical and secure.

24/7 Assistance: In case of emergencies while traveling, the Quicksilver offers 24/7 assistance. This service can help with passport replacement, locating English-speaking doctors, and emergency transportation. These services are offered at no additional cost, although the actual cost of services provided is the responsibility of the cardholder.

Extended Warranty: Eligible purchases made with the Quicksilver have the manufacturer’s warranty doubled. This means that if you purchase a product with a warranty of three years or less, that warranty will be extended up to six years, providing greater security and value to the consumer.

Capital One Quicksilver Credit Card – Fees and commissions

The Capital One Quicksilver is a card that stands out for its low fees. There is no annual fee, allowing you to enjoy the benefits of the card without the additional costs charged by many banks in the market.

Variable interest rates after the introductory period range from 19.99% to 29.99% APR, depending on your credit assessment. For balance transfers, a fee of 3% of the transferred amount applies during the introductory period, after which the standard 4% fee takes effect.

Late payment and return payment fees are competitive, with amounts up to $40. For cash advances, the institution charges 5% of the advanced amount or $5, whichever is greater.

It is worth remembering that fees can change without notice, so it is essential to review the terms and conditions on the Capital One website before applying for the card.

Card limit

The credit limit of the Quicksilver Capital One card is determined based on the individual credit assessment of the applicant. For those with an excellent credit history, limits can be quite generous, allowing for greater spending flexibility.

However, even for individuals with fair credit, the card offers a reasonable initial limit, which can be increased over time with responsible use and timely payment of bills.

How to apply for Capital One Quicksilver

1. Through a browser of your choice, access the official Capital One website;
2. Next, access the Capital One Quicksilver credit card page;
3. Check all relevant information about it and click on “Apply now“;
4. The application form will open, and you should fill it out carefully;
5. Read the card terms and proceed;
6. After providing all the requested data by the platform, submit the proposal;
7. Right after, you can find out if you’ve been pre-approved;
8. If yes, submit the application and wait for approval and card issuance.

How to contact Capital One

If you need to contact Capital One, use one of the methods below:

• Phone: Call customer service at 1-877-383-4802;
• Branches: Visit a physical Capital One branch for in-person assistance.

The Capital One Quicksilver is an excellent choice for those seeking an efficient credit card with consistent rewards and low maintenance. Don’t wait any longer to turn your expenses into earning opportunities. Apply now and start enjoying the benefits!